Charge-offs are measured on a net basis-loans charged off as losses minus recoveries on loans preciously charged off. The percentage of loans charged off as losses each quarter (net of recoveries on loans previously charged off as losses) is calculated by summing net charge-off for all banks in the size group and dividing by the sum of their total loans. Data are annualized.Net Charge-offs is the difference between Charge-offs on Allowance for Loan and Lease Losses call item RIAD4635 and Recoveries on Allowance for Loan and Lease Losses call item RIAD4605. Total loans equals Total Loans and Leases, Net of Unearned Income call item RCFD2122.The asset classes are determined by using Average Total Assets call item RCFD2170 greater than $1B and less than $10B.Geographic location for West South Central Census Division is determined by the Physical State Code call item RSSD9210 IN (5,22,40,48), where the number codes represent Arkansas, Louisiana, Oklahoma, and Texas respectively. For more information and definition about the specific call item codes, please see http://m-fwapp2p.frb.gov/apps/rs_a/MDRM/DataDictionary/search.cfm.This series is calculated by the Federal Reserve Bank of St. Louis using raw data that are collected by the FFIEC. Raw data can be found at https://cdr.ffiec.gov/public/.